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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $48,672 | $165,399-70.6% | $149,745-67.5% | $158,982-69.4% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 11.35% | 348.34%-337.0pp | 276.72%-265.4pp | 302.99%-291.6pp |
| Employer contribution / active EE | $2,102 | $5,105-58.8% | $4,646-54.7% | $4,763-55.9% |
| Participant deferral / active EE | $8,930 | $7,183+24.3% | $6,843+30.5% | $5,983+49.2% |
| Admin fee / account holder | $3,166 | $10,811-70.7% | $9,312-66.0% | $11,252-71.9% |